Mortgage & finance consultants · Adelaide-based, lending Australia-wide
Home loans, made simple
See what you could borrow or save in about a minute — then I compare lenders on my panel and guide you from first chat to settlement.
- First home buyers
- Refinancing
- Investors
- Business loans
- Car & asset finance
Free & no-obligation. I'm a mortgage broker — not a financial adviser.
Free 60-second assessment
How much could you borrow?
Answer a few quick questions for an instant, indicative estimate — no sign-up needed to see your result. It's an estimate only, not a quote or approval.
Takes about a minute · No obligation
What I do
Finance for every stage
Whatever you're financing, I compare lenders on my panel and handle the legwork. Every service has a real page — explore what fits.
Home Loans
Buying a home anywhere in Australia? Let's find a loan that fits.
Learn moreRefinancing
Is your current loan still working for you?
Learn moreFirst Home Buyers
Your first home, explained in plain English.
Learn moreInvestment Loans
Build a property portfolio with the right loan structure.
Learn moreBusiness Loans
Finance for business premises, equipment and growth.
Learn moreCar & Asset Finance
Finance for vehicles, equipment and the tools of the trade.
Learn more
Lenders
I compare a panel of major lenders
Through my aggregator AFG, I work with most of Australia's major banks and lenders — so I can compare options and find one that suits you, rather than pointing you at a single bank.
I work with a panel of lenders. I do not have access to every lender or product in the market, and the lenders or products available to you may be limited.
How it works
A clear path from first chat to settlement
No jargon, no pressure. Here's exactly how I work with you.
- 1
Free chat & goal discovery
We start with a no-obligation conversation about your goals, your situation and what you want your loan to do for you. You'll be talking to me, not a call centre.
- 2
I compare lenders on my panel
I compare rates, fees and features across my panel of lenders to shortlist options that genuinely fit — not just one bank's products.
- 3
Pre-approval & application
I prepare your application, guide you through pre-approval (conditional approval) and lodge it with the right lender.
- 4
Settlement & ongoing reviews
I help coordinate settlement and stay in touch, reviewing your loan over time so it keeps working for you.
Why Rejoice
A broker who makes the process feel simple
I'm a mortgage and finance broker — not a financial adviser — focused on clear advice, real comparison, and looking after you for the long term.
I work for you, not one bank
As a broker I compare loans across my panel of lenders to find one that suits your situation.
Plain-English guidance
I explain deposits, LMI, fixed vs variable and the paperwork without the jargon.
Adelaide-based, Australia-wide
Based in Newton, South Australia, I work with clients in every state — and lending is national, so where you live is no barrier.
With you beyond settlement
I review your loan over time so it keeps working for you, not just on day one.
Plan with confidence
Estimate your repayments in seconds
Try my repayment and borrowing-power calculators to get a feel for the numbers before you talk to a lender. Estimates only — no sign-up, no obligation.
- Loan amount
- $650,000
- Interest rate
- 6.10% p.a.
- Term
- 30 years
- Estimated monthly repayment
- ≈ $3,939
Worked example for illustration only — not a quote or an offer of credit.
Reviews
Honest feedback from real clients
Every review below is a genuine Google review from a real client — transcribed word for word, never a made-up testimonial.
5.0 from 22 Google reviews
“Highly recommend! Bhaba helped me through the whole home buying process on a 491 visa and made everything possible for me. Very professional, supportive, and always quick to answer my questions. Bhaba dai explained everything clearly and helped me get the right mortgage for my situation. Thank you so much for making my dream of buying a house come true!”
“We recently settled three loans with Rejoice Mortgage. Bhaba and the team took the time to understand our situation, recommended the most suitable lender, and secured us a very competitive interest rate that will save us a lot of money over time. They guided us through every single step of the application and settlement process, always keeping us informed and making us feel supported. Rejoice Mortgage made everything easy. Bhaba helped us refinance our owner-occupied and investment loans to great rates, guided us through a smooth SMSF loan for a new property purchase, and even helped us deal with the real estate agent. The whole process was stress-free and seamless. Professional, supportive, and highly recommended. Thank you, Bhaba, for your outstanding service.”
“After being turned away by major banks like ComBank and NAB due to our financial situation and family commitments, we felt our dream of owning a home was slipping away, until we met Mr. Bhaba Tiwari from Rejoice Mortgage. From day one, Bhaba truly understood our challenges. He didn’t just find us a loan, he created a personalised plan to make our dream home a reality. He guided us through every step, negotiated with the bank, coordinated with the Real Estate Agent and stayed in close contact with conveyancer. What could have been a stressful process felt incredibly smooth—like shopping with someone who knows exactly what you need. Bhaba was by our side until settlement, taking care of everything so we could focus on our future. Without his dedication and expertise, our first home would have remained a dream. Thank you, Mr. Tiwari, for making it a reality!”
Get in touch
Start your enquiry
Tell me a little about what you're after and I'll be in touch. It's free, friendly and there's no obligation.
- No-obligation, no-pressure chat
- I compare lenders on my panel for you
- Plain-English guidance from start to settlement
Prefer a full application? Get started here.